Call reports 2013
BAY VIEW FEDERAL SAVINGS AND LOAN ASSOCIATION — 2013
What BAY VIEW FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 135,489,000 | 137,415,000 | 137,716,000 | 134,498,000 |
| Total loans | 72,361,000 | 74,759,000 | 74,386,000 | 74,539,000 |
| Allowance for loan losses | 1,347,000 | 1,377,000 | 1,518,000 | 928,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 45,402,000 | 42,498,000 | 43,179,000 | 43,153,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,078,000 | 112,926,000 | 112,704,000 | 109,517,000 |
| Interest-bearing deposits | 113,078,000 | 112,926,000 | 112,704,000 | 109,517,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 18,566,000 | 18,903,000 | 19,205,000 | 19,476,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,249,000 | 2,474,000 | 3,695,000 | 4,921,000 |
| Interest expense | 296,000 | 587,000 | 865,000 | 1,130,000 |
| Net interest income | 953,000 | 1,887,000 | 2,830,000 | 3,791,000 |
| Noninterest income | -136,000 | -187,000 | -170,000 | -154,000 |
| Noninterest expense | 375,000 | 749,000 | 1,125,000 | 1,637,000 |
| Provision for loan losses | 0 | 30,000 | 203,000 | 286,000 |
| Pretax income | 442,000 | 921,000 | 1,332,000 | 1,714,000 |
| Income tax | 135,000 | 277,000 | 386,000 | 499,000 |
| Net income | 307,000 | 644,000 | 946,000 | 1,215,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,566,000 | 18,903,000 | 19,205,000 | 19,476,000 |
| Total capital | 19,247,000 | 19,607,000 | 19,905,000 | 20,176,000 |
| Risk-weighted assets | 53,832,000 | 55,677,000 | 55,211,000 | 55,742,000 |